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Deed of Trust Form NC

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NORTH CAROLINA WARRANTY DEED

[Seven (7) Individuals to a Trust]

Control Number: NC-023-78

Mail after recording to:

This instrument was prepared by:

Brief description for the Index:

THIS DEED made by and between Grantors and Grantee and executed as set forth below:

GRANTORS

GRANTEE

, as Trustee under the provisions of a

Trust Agreement dated the day of , 20 , known as the

Trust, Trust No.

KNOW ALL MEN BY THESE PRESENTS THAT:

FOR VALUABLE CONSIDERATION OF TEN DOLLARS ($10.00), and other good and valuable consideration, cash in hand paid, the receipt and sufficiency of which is hereby acknowledged, “Grantors”, do hereby grant, bargain, sell, and convey unto “Grantee,” the following lands and property, together with all improvements located thereon, lying in Township, the County of , North Carolina, and more particularly described as follows:

Grantors acquired the property hereinabove described by instrument recorded in: Deed Book , at Page , in the public records of the Register of Deeds for County, North Carolina. A map showing the above-described property is recorded in Map Book at page

And the Grantors covenant with the Grantee, that Grantors are seized of the premises in fee simple, have the right to convey the same in fee simple, that title is marketable and free and clear of all encumbrances, and that Grantors will warrant and defend title against the lawful claims of all persons whomsoever except for the exceptions hereinafter stated. Title to the property hereinabove described is subject to the following exceptions:

ANY AND ALL OF PUBLIC RECORD

IN WITNESS WHEREOF, Grantors have executed this instrument on the date(s) set forth below.

FIRST GRANTOR

Date:

STATE OF

COUNTY OF

I, a Notary Public, of said State and County aforesaid, do hereby certify that Grantor, personally appeared before me this day, and (i) I have personal knowledge of the identity of the grantor, or (ii) I have seen satisfactory evidence of the grantor’s identity, by current state or federal identification with the grantor’s photograph in the form of a or (iii) a credible witness has sworn to the identity of the grantor(s) each acknowledging to me that he or she voluntarily signed the foregoing document for the purpose stated herein and in the capacity indicated.

Witness my hand and official seal or stamp, this day of , in the year .

(seal or stamp)

Printed Name:

My Commission Expires:

SECOND GRANTOR

Date:

STATE OF

COUNTY OF

I, a Notary Public, of said State and County aforesaid, do hereby certify that Grantor, personally appeared before me this day, and (i) I have personal knowledge of the identity of the grantor, or (ii) I have seen satisfactory evidence of the grantor’s identity, by current state or federal identification with the grantor’s photograph in the form of a or (iii) a credible witness has sworn to the identity of the grantor(s) each acknowledging to me that he or she voluntarily signed the foregoing document for the purpose stated herein and in the capacity indicated.

Witness my hand and official seal or stamp, this day of , in the year .

(seal or stamp)

Printed Name:

My Commission Expires:

THIRD GRANTOR

Date:

STATE OF

COUNTY OF

I, a Notary Public, of said State and County aforesaid, do hereby certify that Grantor, personally appeared before me this day, and (i) I have personal knowledge of the identity of the grantor, or (ii) I have seen satisfactory evidence of the grantor’s identity, by current state or federal identification with the grantor’s photograph in the form of a or (iii) a credible witness has sworn to the identity of the grantor(s) each acknowledging to me that he or she voluntarily signed the foregoing document for the purpose stated herein and in the capacity indicated.

Witness my hand and official seal or stamp, this day of , in the year .

(seal or stamp)

Printed Name:

My Commission Expires:

FOURTH GRANTOR

Date:

STATE OF

COUNTY OF

I, a Notary Public, of said State and County aforesaid, do hereby certify that Grantor, personally appeared before me this day, and (i) I have personal knowledge of the identity of the grantor, or (ii) I have seen satisfactory evidence of the grantor’s identity, by current state or federal identification with the grantor’s photograph in the form of a or (iii) a credible witness has sworn to the identity of the grantor(s) each acknowledging to me that he or she voluntarily signed the foregoing document for the purpose stated herein and in the capacity indicated.

Witness my hand and official seal or stamp, this day of , in the year .

(seal or stamp)

Printed Name:

My Commission Expires:

FIFTH GRANTOR

Date:

STATE OF

COUNTY OF

I, a Notary Public, of said State and County aforesaid, do hereby certify that Grantor, personally appeared before me this day, and (i) I have personal knowledge of the identity of the grantor, or (ii) I have seen satisfactory evidence of the grantor’s identity, by current state or federal identification with the grantor’s photograph in the form of a or (iii) a credible witness has sworn to the identity of the grantor(s) each acknowledging to me that he or she voluntarily signed the foregoing document for the purpose stated herein and in the capacity indicated.

Witness my hand and official seal or stamp, this day of , in the year .

(seal or stamp)

Printed Name:

My Commission Expires:

SIXTH GRANTOR

Date:

STATE OF

COUNTY OF

I, a Notary Public, of said State and County aforesaid, do hereby certify that Grantor, personally appeared before me this day, and (i) I have personal knowledge of the identity of the grantor, or (ii) I have seen satisfactory evidence of the grantor’s identity, by current state or federal identification with the grantor’s photograph in the form of a or (iii) a credible witness has sworn to the identity of the grantor(s) each acknowledging to me that he or she voluntarily signed the foregoing document for the purpose stated herein and in the capacity indicated.

Witness my hand and official seal or stamp, this day of , in the year .

(seal or stamp)

Printed Name:

My Commission Expires:

SEVENTH GRANTOR

Date:

STATE OF

COUNTY OF

I, a Notary Public, of said State and County aforesaid, do hereby certify that Grantor, personally appeared before me this day, and (i) I have personal knowledge of the identity of the grantor, or (ii) I have seen satisfactory evidence of the grantor’s identity, by current state or federal identification with the grantor’s photograph in the form of a or (iii) a credible witness has sworn to the identity of the grantor(s) each acknowledging to me that he or she voluntarily signed the foregoing document for the purpose stated herein and in the capacity indicated.

Witness my hand and official seal or stamp, this day of , in the year .

(seal or stamp)

Printed Name:

My Commission Expires:

EXHIBIT A

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What the Deed of Trust Form NC Is and When it’s Used

The Deed of Trust Form NC is a real estate security instrument commonly used in North Carolina to secure repayment of a loan by creating a lien on real property. It names a grantor (borrower), a beneficiary (lender) and a trustee who holds legal title until the loan is repaid. The form contains a granting clause, legal description of the property, repayment terms, and remedies for default; once signed, it is recorded with the county register of deeds to establish public notice and lien priority.

Why a Deed of Trust Form NC Matters for Property and Lending

A properly completed Deed of Trust secures the lender’s interest, clarifies borrower obligations, and creates a public record that protects lien priority. It streamlines foreclosure remedies compared with unsecured agreements and reduces title disputes when recorded promptly.

Why a Deed of Trust Form NC Matters for Property and Lending

Who Typically Prepares and Signs This Form

Lenders, title companies, closing attorneys and borrowers are the primary parties involved in preparing or signing a North Carolina Deed of Trust.

  • Residential lenders and mortgage servicers completing closing paperwork and securing loans.
  • Title companies and closing agents ensuring deed accuracy and recording in the correct county.
  • Borrowers and guarantors providing identity, signatures, and required supporting documentation.

Professionals such as escrow officers and recording clerks complete downstream tasks like notarization verification and county recording to finalize the public record.

Core Elements Found in a Professional Deed of Trust Form NC

A complete Deed of Trust contains structured legal language and core fields that create and protect the security interest; each element affects enforceability, recording, and title clarity.

Parties

Identifies grantor (borrower), beneficiary (lender) and trustee; precise legal names avoid identity disputes during recording or enforcement.

Granting Clause

Conveys the security interest and specifies the lien nature; clear language defines what property is encumbered and the lender’s remedies for default.

Legal Description

Full metes-and-bounds or recorded plat reference required; an incomplete description can lead to recording rejection or title defects.

Obligations

References the note or loan agreement secured by the deed; ties payment terms directly to the security instrument to ensure enforceability.

Trustee Clause

Names the trustee and outlines duties for reconveyance or foreclosure; trustee authority clauses affect nonjudicial remedies.

Acknowledgement

Notary acknowledgment block (and any witness statements if required) for recording; signature, date, and notary details must match county requirements.

Step‑by‑Step: Completing and Recording a Deed of Trust in North Carolina

Follow a short sequence from preparation through recording to protect lien priority and prevent processing errors at closing and at the register of deeds.

  • 01
    Prepare Documents: Gather note, title report, and legal description.
  • 02
    Complete Form: Fill fields accurately and proofread.
  • 03
    Notarize Signatures: Sign before a notary; confirm witness rules.
  • 04
    Record with County: Submit to the county register of deeds for indexing.

Configuring an Online Workflow for the Deed of Trust Form NC

Set field validation, signer order, and authentication to match legal and county expectations when using an electronic workflow or eRecording provider.

Field Configuration
Date Format Use MM/DD/YYYY for all date fields
Signature Authentication Require email + SMS code or stronger ID proofing
Notary / Witness Fields Add dedicated notary block and witness lines
Attach Supporting Files Include the note and title report as linked exhibits

Where to File and How the Recording Process Works

Recording establishes the deed as public notice; choose the correct county office and delivery method to avoid indexing delays or rejections.

  • County Register of Deeds: Primary office for recording deeds
  • E‑Recording Vendor: Submit via approved electronic recorder
  • Mail or In-Person: Some counties accept physical submissions
  • Title Company: Often handles recording for closings

Digital Signing, Notarization, and eSubmission Requirements

Electronic workflows should match legal signature standards and county eRecording rules to be accepted.

  • Signature Standards: ESIGN and UETA compliant
  • Notarization Options: Support for RON where permitted
  • File Formats: PDF/A or county-specified PDF

Key Timing Considerations and Typical Processing Expectations

Record promptly after closing to protect priority; county processing times and deadlines vary, and some actions must occur before tax reporting deadlines.

Record Promptly:

Record the deed immediately after closing to protect lien priority

County Processing:

Indexing commonly takes 1–10 business days depending on county

Notary Timing:

Signatures must be notarized prior to submission for recording

Transfer Tax Reporting:

State and local transfer tax filings follow recording in many jurisdictions

Title Insurance:

Provide recorded document copy to the title insurer after indexing

Consequences of Incorrect or Unrecorded Deeds

Recording Rejection: Return for correction
Clouded Title: Title disputes and escrow delays
Loss of Priority: Subsequent liens may take precedence
Tax Exposure: Transfer tax or reporting errors
Invalid Lien: Security interest may be unenforceable
Civil Liability: Claims for negligent drafting

Common Preparation Errors to Avoid

  • Inaccurate legal description or relying on a street address alone, which can trigger recording rejection and title problems.
  • Mismatched names between grantor, borrower, and ID documents; inconsistent naming delays title insurance and can trigger re-execution.
  • Missing or incorrect notary information, including wrong notary jurisdiction or incomplete acknowledgement, causing recording refusal.
  • Submitting to the wrong county register of deeds or failing to pay correct recording fees, resulting in processing delays.

Security and Compliance Considerations for Electronic Deed Workflows

Encryption: TLS 1.2/1.3 in transit; AES‑256 at rest
Audit Trail: Timestamped logs, IP and action history
Regulatory Compliance: ESIGN and UETA compliance supported
HIPAA Support: HIPAA BAA available where required
21 CFR: Supports 21 CFR Part 11 requirements
Certifications: SOC 2 Type II and ISO 27001

Typical Signer and Preparer Profiles

Residential Lender

Loan processor or closing officer responsible for preparing the deed and promissory note, confirming borrower identity, ordering title work, and coordinating notarization and recording for timely lien perfection.

Title Agent

Closing coordinator who reviews the deed for accurate legal description, ensures title exceptions are addressed, arranges recording with the county register of deeds, and delivers recorded documents to stakeholders.

Real-World Examples of Using an Electronic Deed Workflow

Organizations processing real estate closings report smoother transactions and fewer in-person steps when deeds and closing packages are digitized and validated before recording.

Martin Properties

Real estate closings moved online to reduce in-person meetings and accelerate turntimes.

  • The team relied on mobile signing and secure document routing.
  • "I can process and execute all of these documents online with 100% compliance and built-in security. Whether on mobile or working offline, I can get forms back to their necessary parties efficiently."

Optica Ventures LLC

Small portfolio manager standardized deed templates and automated field validation to reduce errors.

  • Consistent templates reduced rework during recording.
  • "The interface is simple and easy-to-use for our team; more importantly, it is just as easy for our customers."

Vendor Pricing Snapshot for eSignature When Managing Deeds and Closings

Compare starting prices and core features for common eSignature providers; signNow appears first for direct feature and pricing reference.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial Yes — 7-day trial Varies by vendor Varies by vendor Varies by vendor Varies by vendor
Bulk Send Yes (Business Premium) Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No

Common Questions and Practical Answers for Deed of Trust Form NC

Answers address frequent concerns about eSignatures, notarization, recording rejections, and correcting common errors encountered during closings.


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